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Best Car Insurance Companies for Good Drivers

There are many definitions of what it means to be a “good driver.” One of the most common definitions among car insurance companies is a driver with a clean driving record, or no accidents, tickets, or insurance claims in the last five years.  

If that describes you, you may qualify for good driver discounts on your car insurance. This means you could be paying less than you are today for your insurance. Let’s dive into everything you need to know about finding the best car insurance for good drivers. 

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Our rates are based on public rate filings obtained by analytics company First Interpreter. While we may partner with some of the carriers you see on our site, we maintain editorial independence and it does not affect the rates you see. Read more about our rating methodology or see our rigorous editorial policy. 

Written by Alyssa DiCrasto

Last updated: March 28, 2023

What is the best car insurance for good drivers?

The best car insurance companies for good drivers offer a wide range of coverage options, discounts and perks, and they also have a good reputation and are known for providing excellent customer service.  

However, the answer to “what is the best car insurance company” is different from person to person. You might want a company known for its flexible coverage plans, one that can insure other assets you have, or simply the one that will give you the best price.  

Because different car insurance companies have different rates and offerings based on the state, age of driver, and numerous other factors, the best way to find the best car insurance company for you is to compare several.  

You’ll want to get rates from several companies to compare rates and coverage options. To give you a good starting point, we’ve organized our list of top insurance providers for good drivers into a list by price, by customer service, by good driver discounts, and accident forgiveness programs.  

Best companies for good drivers based on price

The price you pay for car insurance will vary from company to company based on your location, demographics, vehicles, and coverage. Among national insurance companies, these are known to offer cheap car insurance for a basic “good driver” profile.  

  • USAA 
  • State Farm 
  • GEICO 
  • Progressive 
  • Nationwide 
  • Farmers 
  • Allstate 
  • Liberty Mutual 

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Best companies for good drivers based on customer service

Choosing an insurance company with good customer service means you’ll be able to reach a live person when you need to file a claim. It also means the company will be there to answer any questions you have about your policy. Choosing a provider with good customer service can make all the difference in how satisfied you are with your policy, and these companies rank at the top: 

  • Shelter Insurance 
  • NJM Insurance Group 
  • State Farm 
  • Erie Insurance 

Best companies with good driver discounts

At the following companies, good driving is rewarded. This list includes some of the national insurance companies that offer car insurance discounts for being a good driver.  

  • Allstate: Drivers can enroll in Allstate’s Safe Driving Bonus® program to receive a bonus every six months they go without an accident. 

  • Geico: With Geico, good drivers can save up to 22% on their insurance policy after five years without an accident.

  • Farmers: Farmers offers a “Safe Driver” discount for drivers with a clean driving record in eligible states. 

  • Liberty Mutual: Drivers can enroll in RightTrack® by Liberty Mutual to save up to 30% on their auto insurance policy for good driving. 

  • Nationwide: Nationwide rewards drivers who go at least five years without an accident. Drivers can also enroll in Nationwide’s SmartRide® program to save up to 25% for safe driving. 

  • Progressive: Progressive’s Snapshot® program is usage-based insurance that can save drivers money based on how much (and how safe) they drive.  

  • State Farm: Drivers can participate in State Farm’s Drive Safe & Save program to receive a discount of up to 30%.  

  • USAA: Drivers can participate in USAA’s SafePilot program to receive a discount of up to 30%, with up to a 10% discount upon enrollment. 

Companies with accident forgiveness programs

Accidents can happen to anyone. If you’re a good driver, you don’t want to be punished for making one mistake. Many insurance companies offer accident forgiveness programs that account for this. Below are some examples of companies with accident forgiveness programs. 

  • Allstate: Drivers can add Allstate’s Accident Forgiveness coverage to their policy so that their insurance premium doesn’t increase due to an at-fault accident.


  • Erie Insurance: Erie offers First Accident Forgiveness to drivers who have been with Erie for three or more years.


  • Farmers: Drivers’ auto premiums won’t increase due to an at-fault accident for every three years they drive without one with Farmers Smart Plan Auto policy.


  • Nationwide: In select states, drivers can purchase Accident Forgiveness through Nationwide and potentially avoid an insurance rate increase after their first at-fault accident.


  • Progressive: Progressive offers three accident forgiveness programs. Small Accident Forgiveness is available through the Loyalty Rewards Program and is automatically applied to most new customer insurance policies. Large Accident Forgiveness is available through the Loyalty Rewards Program and rewarded to drivers who’ve been with Progressive for at least five years without an accident or violation. Progressive Accident Forgiveness is available to purchase. 


  • Shelter Insurance: Shelter doesn’t raise drivers’ insurance premiums after an accident if they’ve been accident-free for five years. 


  • Travelers: Drivers who qualify can add accident forgiveness to their car insurance policy. Travelers Responsible Driver Plan forgives one accident and one minor violation over a specified period that may protect drivers from a premium increase.


  • Western National: Western National has a Penalty-Free Promise® that states drivers never have to pay a higher rate due to accidents or moving violations (i.e., speeding). 

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What is the cheapest car insurance for good drivers?

The cheapest car insurance for good drivers depends on various factors, such as the state where you live and the car you drive. Our tool considers your driver profile, including your driving record, when providing you with rate estimates and matching you with the best insurance carriers for your profile. Take our short quiz to find the cheapest car insurance based on your profile and preferences.  

What is the most important insurance a driver can have?

There are multiple coverage types available for drivers. For example, collision insurance covers repairs to the policyholder’s vehicle in the event of an accident. Comprehensive insurance covers damages caused by weather, theft, or vandalism. And medical payments coverage helps pay for medical bills incurred by the policyholder and their passengers in the event of an accident. Ultimately, the best type of insurance for any given driver depends on their individual needs and circumstances. However, all drivers should carry at least the minimum insurance required by their state to protect themselves financially in the event of an accident. 

What car insurance is considered the best?

The best car insurance companies depend on your driver profile and unique needs. When shopping for car insurance coverage, consider a company’s price, customer service ratings and good driver discounts to determine the best overall option for you.  

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About Rate Retriever

At Rate Retriever, our mission is to make the way you shop for insurance transparent and fair through user-friendly tools that respect your privacy and deliver reliable, comprehensive results 

So we took everything we hated about comparing insurance quotes online – the spam, the long questionnaires, the limited choices, the inaccuracy of quote prices – and threw it out the window, favoring a short form that more accurately estimates what you’ll pay at each of the top insurance providers near you. 

Rate Retriever is an independent company that is not owned by an insurance provider, nor do we provide insurance ourselves. This independence allows us to be your free and impartial insurance research tool, helping you make the best decisions for your insurance needs.  

We may earn a commission when you click one of the links or call one of the providers listed on our site; however, we do not allow our partnerships to influence which information we provide.